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Financial Highlights
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Latest On:
Period Ended
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 4,200,015 4,132,281 3,984,403 3,714,059 3,461,633
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Total Net Loans 3,119,300 3,108,574 3,026,496 2,843,283 2,631,916
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Total Deposits 3,446,962 3,315,634 3,231,653 3,083,975 2,872,787
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Equity Attributable to Parent Company 491,877 502,507 442,438 419,272 390,853
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Total Equity 491,877 502,507 442,438 419,272 390,853
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Profitability (%)
Net Income($000) 17,616 54,310 52,128 54,097 52,962
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Net Income Attributable to Parent($000) 17,616 54,310 52,128 54,097 52,962
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ROAA 1.69 1.33 1.36 1.52 1.56
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Core ROAA 1.70 1.43 1.31 1.30 1.55
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ROAE 14.05 11.02 12.09 13.03 13.38
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ROATCE 16.57 13.07 14.76 15.73 16.50
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Core ROAE 14.13 11.83 11.70 11.13 13.34
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Net Interest Margin 3.46 3.46 3.50 3.76 3.98
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Reported: Net Interest Margin 3.51 3.46 3.50 3.76 3.98
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Efficiency Ratio 52.42 51.34 54.40 54.04 53.53
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Noninterest Inc/ Operating Rev 30.74 31.62 31.74 31.82 32.86
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Balance Sheet Ratios (%)
Loans/ Deposits 91.02 94.31 94.18 92.79 92.27
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Securities/ Assets 15.01 15.23 13.56 12.70 10.26
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Total Equity/ Total Assets 11.71 12.16 11.10 11.29 11.29
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Tangible Equity/ Tangible Assets 10.03 10.46 9.30 9.34 9.35
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Tang Common Equity/ Tang Assets 10.03 10.46 9.30 9.34 9.35
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Asset Quality (%)
NPAs/ Assets 1.09 1.12 1.19 1.23 1.34
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NPA Excl Restructured/ Assets 0.32 0.34 0.46 0.63 0.68
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NPAs & 90+ PD/ Assets 1.09 1.13 1.20 1.26 1.39
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NPAs/ Loans & REO 1.46 1.48 1.55 1.59 1.75
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Nonaccrual & 90+ & OREO/ Assets 0.32 0.34 0.47 0.66 0.73
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NPAs & 90+ PD/ Loans & REO 1.46 1.49 1.57 1.63 1.81
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NPA & Loans 90+/ Tangible Common Equity + LLR 10.62 10.55 12.47 13.03 14.29
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NCOs/ Avg Loans 0.08 0.13 0.13 0.29 0.18
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Loan Loss Reserves/ Gross Loans 0.59 0.60 0.65 0.67 0.76
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Reserves/ NPAs 40.18 40.55 41.64 42.10 43.23
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Loan Loss Provision/ NCO 28.46 77.08 112.23 89.46 89
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Capital Adequacy
Tier 1 Common Capital (CET1)($000) 430,044 430,154 371,677 345,620 317,163
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Tier 1 Capital($000) 446,044 446,154 387,677 361,620 333,163
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Tier 2 Capital($000) 18,892 19,138 20,729 20,560 NA
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Total Capital($000) 464,936 465,292 408,406 382,180 353,873
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Total Risk-weighted Assets($000) 2,851,330 2,842,453 2,787,217 2,531,525 2,493,078
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Tier 1 Common Capital (CET1) Ratio(%) 15.08 15.13 13.34 13.65 12.72
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Tier 1 Ratio(%) 15.64 15.70 13.91 14.28 13.36
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Total Capital Ratio(%) 16.31 16.37 14.65 15.10 14.19
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Liquidity Coverage Ratio(%) NA NA NA NA NA
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Leverage Ratio(%) 10.90 11.03 10.08 10.15 9.89
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Basel III Leverage Ratio(%) NA NA NA NA NA
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Per Share Information ($)
Common Shares Outstanding(actual) 15,439,497 15,618,029 15,128,433 15,180,215 15,153,692
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Avg Diluted Shares(actual) 15,436,000 15,436,000 14,913,000 15,170,000 15,488,000
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Basic Book Value per Share 31.86 32.17 29.25 27.62 25.79
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As-reported Book Value per Share 31.86 32.17 29.25 27.62 25.79
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Basic Tangible Book Value per Share 26.78 27.14 24.01 22.36 20.90
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Reported: Tangible Book Value 26.78 27.14 24.01 22.36 20.90
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Common Dividends Declared per Share 0.46 1.78 1.72 1.68 1.60
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EPS after Extra 1.13 3.48 3.45 3.53 3.38
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EPS after Extra Growth(%) 8.70 0.90 (2.30) 4.40 11.20
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Core EPS 1.14 3.74 3.34 3.01 3.37
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Core EPS Growth(%) 35 12.10 10.90 (10.70) 2.80
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Diluted EPS before Amortization 1.14 3.51 3.49 3.57 3.44
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Pre-Provision Earnings per Share 1.13 3.69 3.37 3.25 3.32
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Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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